Tag Archives: life mastery

5 reasons why you don’t raise the alarm

You’ve seen him or her.  You know them well.  That colleague or friend from work or church or your local neighbourhood.  They live from hand to mouth, bills up to the gills and yet always goes out every weekend or spends on expensive clothes, bags or electronic gadgets, getting deeper and deeper into debt.

You know it won’t last, they know it won’t last, you really care for them as your friend or relative, so why don’t you say anything to them about their spending habits? They seem to be crying out for someone to help, so why not you?

Research from Georgetown University noted there are five reasons that can  stop people speaking up or acting on their concerns:

1. You don’t notice that something is wrong: Every one has 20-20 vision in hindsight.  Often we get angry or bemused when we hear about apparently obvious self-destructive financial behaviour. During the years before the recession, many people “normalised” the view that spending on credit without thinking about repayments or the future was the usual thing to do.  If everyone is doing it and this information conflicts with our preferred version of reality,  we often tell ourselves that there is a  reasonable explanation for this financial spending, and that everything is fine. Or, we adjust our version of reality.

2. ‘It’s not my problem…’ – The bystander effect: The research found that the more people there are that see something wrong, the less likely it is that someone will say something. This sounds a bit back to front, but the argument is that there is a lower feeling of responsibility if many people can se what is going on, and can make you feel uncertainty about taking action.

3. The person reacts badly/ doesn’t like to hear unpleasant messages

Maybe your friend has a hot temper, or is quite insecure or you have heard  stories when other people have tried to speak with him/ her – your friend just shoots the messenger.

4. You think nothing will happen if you raise concerns

As a result you may think that even if you are able to successfully tell your friend how concerned you are, little will be done about it.

5. You think the result will be more negative than positive 

Or worse, you may be less inclined to talk through your concerns if  they also have quite high status in your group of friends.  They may have the power to retaliate and turn others against your.

You have to believe that your action can really improve and help the situation of your friend, make a reasonable assessment of what is the core problem.

A good colleague is prepared to call your friend to account, help them see how their behaviour is damaging their present, and their future. and support them to work to a more healthy relationship with their money.

More about this and the cycle of the New Year Resolutions next time.

Until then…

Have a lovely New Year and let us know what issues you would like us to cover in 2014!

Onwards and Upwards!


Handling Your Money: Are You Really Walking the Talk?


Over the last few months we’ve offered an independent survey for church members to volunteer and respond to five simple questions.  These questions ask how aware you are about your current financial status and circumstances.

The results (above) make for interesting reading…..

Over half of the people who took part in the survey so far say then have a pretty good handle on their finances.  That’s great!

However, in the sessions and discussions that followed, many admitted to struggling with making the next step ie to ‘access the power’ through effective planning so that they can achieve their financial goals.  That’s the real challenge…

Attend one of the FREE Access the Power (ATP)  “SMARTER Finance” Seminars – These lay-member led, bible-based seminars are held in local churches as part of the Financial Stewardship for members. These seminars  support church groups and have been annually since 2004.  Most seminars are run from April – December.  The first quarter of the year is used for workshops and practical support sessions for members new to the programmes.

If your church has never participated or held one of these sessions, show this blog to your Stewardship Co-ordinator and ask him/ her to arrange a session for your church group within your Stewardship Day programme this year.

“SMARTER Finance”  sessions are open to all participating church members in any Seventh-day Adventist church group in the UK.  A number of local church groups in England already this session for basic financial literacy as a Stewardship Day whilst others use the weekend workshops or one-day seminar services for both the church and local community outreach.

For more information or to arrange a programme at your local church click here – (this will take you to the feedback form on this blog)


The book of Proverbs is a fantastic way for you to start gaining some of the basic understanding of how successful people approach managing credit, business, wealth and finances. One chapter a day and you have covered the whole book in a month!  It’s never too late to start now.

For ladies in the UK, see our blogs on Proverbs 31 for secrets on successful living , business and financial success.  And see the Sorority created just for you, by women just like you PI TAU OMICRON (Π Τ Ο).

For ΠΤΟ sisterhood eligibility criteria click here.

We’ll continue to update and share the overall survey results right here in this blog.

In the meantime, why not share your own tips on your experiences in moving your financial goals forward.

Onwards and upwards!

Want to know the five most powerful words….?

Well done if you’ve make the commitment to start on your journey of financial literacy journey towards financial freedom.

One of the first things you have to do is your self-audit – to check where you are now, financially.  This will help you plan where you want to get to and how you intend to get there.

If you recently attended one of the nationwide “Access the Power…for your Finances” sessions then you will have been told the five most powerful words you will need to use as you start to collate your spending habits….

‘Yes, I  want the receipt!’

As you hurry through the day, rushing to get that morning paper or mid-morning  snack, or quickly pop out to get the lunchtime sandwich or meal, or the take-away dinner as the faithful replacement for a home meal (it’s been one of those days!) money slips through our fingers almost without noticing.

If you aren’t keeping the Spending Plan Journal then keeping your receipts for each day is one of the ways you can quickly add up and categorise your incidental spending for that day.  Once that is done, unless the receipt is for a big ticket item or part of the warranty information its fine to discard it.

The successful and financial free have a good command of their spending and the sources for their regular income.  We usually have a handle on the latter, this is a quick and simple way to get to grips with the former!

Onwards and upwards, people… and remember ‘yes, I will have the receipt!’

Below are other articles you may find helpful…. and remember we don’t say ‘budget’ we say ‘My Spending Plan!’

The secrets in Proverbs 31 for women

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Ever wondered if there were some tips and hints for women on the four major areas of life?

Well, Proverbs 31 shares these secrets with anyone who wants to know!

In a simple straightforward way, it outlines how women can make their impact in their personal life, with relationships and family, in business and in giving back to the community.

The Access the Power…P31Women series helps women in local churches understand and then use this secret roadmap to gain mastery over all areas of their life.